Easy application process

Loan Against Property
Unlock Value Without Liquidation

Your property has value beyond ownership. Use it to fund business growth, education, or major plans , without giving it up. Keystones helps you borrow smarter, with clarity from day one.

Types of Loan Against Property

Choose the right Loan Against Property option based on the type of property you own.

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Residential Property LAP

Loan against flats, houses, or builder floors
Lower interest rates compared to commercial LAP
Loan amount up to 80% of property value
Tenure up to 20 years with flexible EMIs
Ideal for personal and business needs

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Commercial Property LAP

Loan against shops, offices, and commercial units
Higher loan eligibility for business owners
Loan amount up to 80% of property value
Suitable for working capital & business expansion
Tenure up to 15 years

Top Banks For Loan Against Property

Compare interest rates from trusted banks

HSBC Bank

Interest Rate: 7.75% – 8.75%

Loan Amount: ₹5L – ₹30Cr

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HDFC Bank

Interest Rate: 8.20% – 9.25%

Loan Amount: ₹5L – ₹30Cr

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Axis Bank

Interest Rate: 8.50% – 9.50%

Loan Amount: ₹5L – ₹30Cr

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IDFC First Bank

Interest Rate: 8.65% – 9.25%

Loan Amount: ₹5L – ₹30Cr

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Kotak Mahindra Bank

Interest Rate: 8.75% – 9.30%

Loan Amount: ₹5L – ₹30Cr

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Bajaj Finserv

Interest Rate: 8.75% – 10.50%

Loan Amount: ₹5L – ₹30Cr

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ICICI Bank Limited

Interest Rate: 8.80% – 9.75%

Loan Amount: ₹5L – ₹30Cr

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Indian Bank

Interest Rate: 8.90% – 9.50%

Loan Amount: ₹5L – ₹30Cr

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SBI

Interest Rate: 8.95% – 9.15%

Loan Amount: ₹5L – ₹30Cr

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Yes Bank

Interest Rate: 8.90% – 10%

Loan Amount: ₹5L – ₹30Cr

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Bajaj Finserv

Interest Rate: 8.75% – 9.30%

Loan Amount: ₹5L – ₹30Cr

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Features and Benefits

Lower interest rates than unsecured loans

High loan amounts based on property value

Long repayment tenure for manageable EMIs

Funds usable for business, education, or consolidation

Avail loan against property in overdraft form and pay interest only on the outstanding amount.

Eligibility Criteria

Check the basic eligibility requirements to apply for a Loan Against Property.

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Applicant Type

Salaried individuals, self-employed professionals, and business owners are eligible.

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Age Criteria

Applicant age should generally be between 21 and 65 years at loan maturity.

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Property Ownership

The applicant must be the legal owner of a residential or commercial property.

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Income Stability

Stable income and repayment capacity are required for loan approval.

Documents Required

Keep the following documents ready to apply for a Loan Against Property.

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Identity Proof

Aadhaar Card, PAN Card, Passport, or Voter ID.

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Address Proof

Utility bills, Aadhaar, Passport, or rental agreement.

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Income Documents

Salary slips, Form 16, ITR, and bank statements.

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Property Documents

Sale deed, title deed, approved building plan, and tax receipts.

How Key Stones Will help?

Our affordable and flexible Loan Against Property solutions are designed to help you unlock the true value of your property and meet your financial goals with confidence. Our Loan Against Property affordability tool helps you estimate your EMI based on key factors such as loan amount, interest rate, and tenure — tailored to your specific requirements. Whether for business growth or personal needs, discover flexible funding options that work for you.

Loan Against Property EMI Calculator

Calculate your estimated EMI based on loan amount, interest rate, and tenure for LAP.

Loan Amount (₹) Interest Rate (% per annum) Loan Tenure

Monthly EMI

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Total Interest Payable

₹ —

Total Amount Payable

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* EMI shown is indicative. Actual loan terms may vary as per lender policy.

Talk to a LAP Expert

Frequently Asked Questions

What is a Loan Against Property (LAP)?

A Loan Against Property is a secured loan where you can borrow funds by mortgaging your residential or commercial property. The loan can be used for both personal and business purposes.

What type of properties are accepted for LAP?

Banks and financial institutions accept residential properties (flat, house, builder floor) and commercial properties (shops, offices, showrooms) that are legally clear and marketable.

How much loan amount can I get against my property?

You can available loan of up to 50% – 70% of the market value of your property, depending on the property type, location, and lender policies.

What is the interest rate for Loan Against Property?

Interest rates for LAP are generally lower than personal loans and vary based on the applicant’s profile, property type, and market conditions.

What is the repayment tenure for LAP?

The repayment tenure usually ranges from 5 to 20 years, allowing you to manage your EMIs comfortably.

Can I use a Loan Against Property for any purpose?

Yes, LAP offers flexible end-use. You can use the funds for business expansion, education, medical expenses, wedding costs, debt consolidation, or other personal needs (subject to lender guidelines).

What documents are required to apply for LAP?

Common documents include identity proof, address proof, income documents, bank statements, and property papers. Additional documents may be required based on the lender and applicant profile.

What is an overdraft facility in Loan Against Property (LAP)?

An overdraft facility in LAP allows you to withdraw funds as per your requirement and pay interest only on the amount utilized, instead of the entire sanctioned loan amount.

Apply for Loan Against Property

Unlock the value of your property without liquidating it. Apply for a Loan Against Property with Keystones and access funds with confidence and clarity. Whether it’s business expansion, debt consolidation, or urgent personal needs, we structure the loan to suit your goals. Get faster approvals, better interest rates, and a hassle-free process.

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